Trenton Bankruptcy & Debt Lawyer, New Jersey

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Mark  Kriegel Lawyer

Mark Kriegel

VERIFIED
Bankruptcy, Litigation, Insurance, Wills & Probate, Business Organization

Representing clients in bankruptcy, insurance, civil litigation and small business formation and operating agreements.

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800-650-5670

Aniello D. Cerreto, Esq. Lawyer

Aniello D. Cerreto, Esq.

VERIFIED
Divorce & Family Law, Bankruptcy, Criminal, Estate
A lawyer who listens to you

I utilize the depth of my many years of relevant experience to assist people to transition into their new life and thrive during an otherwise trying t... (more)

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800-809-4531

Ellen  McDowell Lawyer

Ellen McDowell

VERIFIED
Bankruptcy & Debt, Litigation, Consumer Protection, Contract

Hello - I am an experienced and compassionate bankruptcy lawyer. My goal is to help you get a fresh start in the easiest possible way. No judgment h... (more)

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800-805-5270

Joseph I. Windman Lawyer

Joseph I. Windman

VERIFIED
Bankruptcy & Debt, Real Estate

Joseph Windman is a practicing lawyer in the state of New Jersey. Attorney Windman received his J.D. from Brooklyn Law School.

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732-780-4222

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Mark Stuart Cherry Lawyer

Mark Stuart Cherry

VERIFIED
Accident & Injury, Bankruptcy & Debt, Criminal, Estate, Lawsuit & Dispute
Bankruptcy, Real Estate, and Litigation

Mark S Cherry, Attorney at Law, PC is a general practice professional law firm in Cherry Hill, NJ that, in addition to the general practice of law, as... (more)

Robert H. Johnson Lawyer

Robert H. Johnson

VERIFIED
Bankruptcy & Debt, Foreclosure, Bankruptcy

Robert H. Johnson has spent his career representing clients in U.S. Bankruptcy Court and New Jersey insolvency proceedings. Prior to founding this fi... (more)

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856-298-9328

Michael P. Otto Lawyer

Michael P. Otto

VERIFIED
Bankruptcy & Debt, Divorce & Family Law, Traffic, Real Estate Other, Consumer Protection

Michael Otto was born and raised in Iowa. Mr. Otto received a B.S. in Marketing from Iowa State University in 1990, where he was a member of the Golde... (more)

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800-998-7210

Ronald E Norman Lawyer

Ronald E Norman

VERIFIED
Bankruptcy & Debt, Accident & Injury, Real Estate
Attorney

Welcome to the Law Office of Ronald E. Norman, LLC. When you are in debt, it can be a difficult experience. You are bombarded with calls and letter... (more)

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800-806-5841

Geraldene Sherr Duswalt Lawyer

Geraldene Sherr Duswalt

VERIFIED
Divorce & Family Law, Bankruptcy & Debt
Full service law firm dedicated to helping people solve their problems and move on with their lives.

I have been helping people in New Jersey and New York resolve their legal problems for twenty nine years. During this time, I have learned that infor... (more)

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800-903-7740

Fawn B Dyer Lawyer

Fawn B Dyer

VERIFIED
Divorce & Family Law, Bankruptcy & Debt, Real Estate, Lawsuit & Dispute

Fawn Dyer is a practicing lawyer in the state of New Jersey. She received her J.D. from Touro College, Jacob D. Fuchsberg Law Center in 2008.

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LEGAL TERMS

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)
An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)
A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

GENERAL PARTNER

A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the... (more...)
A person who joins with at least one other to own and operate a business for profit -- and who (unlike a corporation's owners), is personally liable for all the business's debts and obligations. A general partner's actions can legally bind the entire business. See also partnership, limited partnership.

BULK SALES LAW

A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to ... (more...)
A law that regulates the transfer of business assets so that business owners cannot dispose of assets in order to avoid creditors. If a business owner wants to conduct a bulk sale of business assets -- that is, get rid of an unusually large amount of inventory, merchandise or equipment -- the business owner must typically publish a notice of the sale and give written notice to creditors. Then, the owner must set up an account to hold the funds from the sale for a brief period of time during which creditors may make claims against the money. The prohibition against bulk sales is spelled out in the Uniform Commercial Code -- and laws modeled on the UCC have been generally adopted throughout the country.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)
A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)
A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)
A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)
A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

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